We can't stress enough how fantastic this company is and how it literally saved our precious Annabelle life a few months back. Without pet insurance we would have not been able to authorize her much needed surgery to save her from a most definite death due to a blockage and poisoning of a common acorn. The premiums are well worth the excellent health coverage. If you have a pet you should seriously do your homework on health coverage and select a plan that fits your budget and needs. We are certainly happy with our decision to purchase it.